Scotia Momentum® 
No-Fee Visa* Card

Get up to 1% cash back on eligible purchases with no annual fee.1

Special Offer

Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).2 Plus, get a 0.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).2

Scotia Momentum® No-Fee Visa* Card
Apply now

Is this Credit Card right for you?

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases
  • Interested in building your credit history by making at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card
  • Prefer to avoid annual fees

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards

Fees, rates & other information

Annual fee3 $0/year
Interest rates3

19.99% on purchases

22.99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit3 $500
Each supplementary Card3 $0/year

What's included with your Card

Scotia SelectPayTM

A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.10

Get the Scotia Momentum® No-Fee Visa* Card

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Online

Cash back plus NO annual fee

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By phone

Call Scotiabank

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In person

Make an appointment at your local branch

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Momentum Visa Infinite credit card

Scotia Momentum® Visa Infinite* Card

Get up to 4% cash back on eligible purchases.

Annual fee: $120

Interest rates: 20.99% on purchases / 22.99% on cash advances

Not sure if this is the right credit card for you?